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Home Refinance Loan Ratesin Kentucky
Looking to refinance your existing mortgage loan? Use ERATE®'s rate chart to compare today's top rates in Kentucky and find a lender that's the best fit for you. We recommend that you reach out to at least 2 to 3 mortgage lenders for your refinance loan to ensure you get the best rate and pricing.
(Last Updated: 03/30/2026)
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Lender
|
APR
|
Rate
|
Payment
|
Points
|
Fees
|
Loan Type
|
Contact details |
|---|---|---|---|---|---|---|---|
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|
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|
6.065% APR | 5.875% Rate 30 day rate lock | $1,893 Payment per month |
0.000 Points$0 Points Fee
|
$6,667 Total Fees$6,667 Lender Fees
|
30 Years Fixed | |
|
6.219% APR | 6.124% Rate 30 day rate lock | $1,945 Payment per month |
0.766 Points$2,451 Points Fee
|
$3,246 Total Fees$795 Lender Fees
|
30 Years Fixed | |
|
6.239% APR | 6.125% Rate 30 day rate lock | $1,945 Payment per month |
0.874 Points$2,797 Points Fee
|
$3,892 Total Fees$1,095 Lender Fees
|
30 Years Fixed | |
|
6.284% APR | 6.000% Rate 30 day rate lock | $1,919 Payment per month |
0.935 Points$2,992 Points Fee
|
$9,792 Total Fees$6,800 Lender Fees
|
30 Years Fixed | |
|
6.313% APR | 6.250% Rate 30 day rate lock | $1,971 Payment per month |
0.668 Points$2,138 Points Fee
|
$2,138 Total Fees$0 Lender Fees
|
30 Years Fixed | |
|
6.377% APR | 6.250% Rate 30 day rate lock | $1,971 Payment per month |
0.940 Points$3,008 Points Fee
|
$4,303 Total Fees$1,295 Lender Fees
|
30 Years Fixed | |
|
6.452% APR | 6.375% Rate 30 day rate lock | $1,997 Payment per month |
0.813 Points$2,602 Points Fee
|
$2,602 Total Fees$0 Lender Fees
|
30 Years Fixed | |
|
6.462% APR | 6.375% Rate 30 day rate lock | $1,997 Payment per month |
0.919 Points$2,941 Points Fee
|
$2,941 Total Fees$0 Lender Fees
|
30 Years Fixed | |
|
6.463% APR | 6.375% Rate 30 day rate lock | $1,997 Payment per month |
0.612 Points$1,958 Points Fee
|
$2,953 Total Fees$995 Lender Fees
|
30 Years Fixed | |
|
6.506% APR | 6.375% Rate 45 day rate lock | $1,997 Payment per month |
0.750 Points$2,400 Points Fee
|
$4,395 Total Fees$1,995 Lender Fees
|
30 Years Fixed | |
|
6.613% APR | 6.500% Rate 30 day rate lock | $2,023 Payment per month |
0.867 Points$2,774 Points Fee
|
$3,769 Total Fees$995 Lender Fees
|
30 Years Fixed | |
|
6.717% APR | 6.625% Rate 30 day rate lock | $2,049 Payment per month |
0.958 Points$3,066 Points Fee
|
$3,066 Total Fees$0 Lender Fees
|
30 Years Fixed | |
|
6.747% APR | 6.625% Rate 30 day rate lock | $2,049 Payment per month |
0.800 Points$2,560 Points Fee
|
$4,055 Total Fees$1,495 Lender Fees
|
30 Years Fixed | |
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| Discover multiple refinance options | ||||||
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| Low rates, quick quote & approval | ||||||
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| Refi from your sofa. It’s surprisingly simple. | ||||||
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| Refinance to lower your rate | ||||||
PENNYMAC |
6.295% APR | 6.250% Rate 30 day rate lock | $1,971 Payment per month |
0.475 Points$1,520 Points Fee
|
$1,520 Total Fees$0 Lender Fees
|
30 Years Fixed | |
Updating Rates...
Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details.
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